Nippon India Credit Risk Fund · Regular · Growth
NAV
₹37.7209
as of 14 Jul 2026
Expense Ratio
1.48%
AUM
₹1,043 Cr
Lumpsum returns (CAGR)
- 1Y
- +6.93%
- 3Y
- +8.13%
- 5Y
- +7.20%
- Since Inception
- +6.49%
SIP returns (XIRR)
- 1Y
- +7.40%
- 3Y
- +8.15%
- 5Y
- +7.87%
- Since Inception
- +6.56%
Returns calculated from 30 September 2020 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 5 years (Jul 2021 – Jul 2026)
A ₹5,000 monthly SIP for the last 5 years (Jul 2021 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹3,63,710 today — ₹3,00,000 invested, 7.9% XIRR.
₹3,00,000
Invested
₹3,63,710
Value today
7.9%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 5 years (Jul 2021 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 5 years ago would be ₹1,41,592 today (7.2% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Jul 2021 would still hold ₹10,52,208.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 5 years (Jul 2021 – Jul 2026) (3 Jun 2024) would be ₹1,18,518 today (1.19×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised2.11
Sharpe Ratio
—
Alpha
—
Beta
2.46
Sortino
1.00%
Std Dev
-0.40%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 17.02% Government Of India7.13%
- 2Bank Of Baroda4.67%
- 38.44% Renew Solar Energy (Jharkhand Five) Private Ltd**4.35%
- 410.4% Muthoot Fincorp Ltd**4.13%
- 59.25% Truhome Finance Limited**3.83%
- 610.2% Navi Finserv Limited3.76%
- 710.96% Gaursons India Private Limited**3.74%
- 89.75% Delhi International Airport Limited**3.37%
- 99.5% Vedanta Limited**3.33%
- 109.95% Hiranandani Financial Services Private Limited**3.29%
Investment Objective
Nippon India Credit Risk Fund · Regular · Growth by Nippon India Mutual Fund is a Credit Risk fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Credit Risk category.
About This Fund
Nippon India Credit Risk Fund · Regular · Growth is a Credit Risk mutual fund offered by Nippon India Mutual Fund. The fund has been operational for over 21 years. It manages assets worth ₹1,043 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL CREDIT RISK DEBT B-II INDEX. The current expense ratio is 1.48%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations